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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 17th Jul 08, 11:11 AM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Childcare Costs discussion
    • #1
    • 17th Jul 08, 11:11 AM
    Childcare Costs discussion 17th Jul 08 at 11:11 AM



    This thread is specifically to discuss the content of the new

    Childcare Costs article

    To discuss or ask a question about this article: click reply
    Last edited by MSE Researcher; 15-06-2010 at 2:33 PM.
Page 9
    • mrsrolfie
    • By mrsrolfie 16th Mar 17, 1:53 PM
    • 20 Posts
    • 65 Thanks
    mrsrolfie
    Claiming NI credits for grandparents
    Has anyone completed the form CA9176 to transfer NI credits to a grandparent/completed it as a grandparent? TIA
    • wedgefish
    • By wedgefish 17th Apr 17, 2:34 PM
    • 2 Posts
    • 0 Thanks
    wedgefish
    Childcare Element of working tax credits & NEW Tax free childcare
    I am a single Parent to Three young Children, My annual salary is £25,000 and I am currently paying a registered childminder £120 a week each to look after my children full time while I am at work. (£360 total a week)

    I am currently using childcare vouchers which equate to £55 a week of the £360 bill, the remaining amount is subsidized though the childcare element of working Tax credits and my own expense.

    My question is this new tax free childcare that is starting in April, will it have any effect on the childcare element of the working Tax credits?

    regards David
    • rpc
    • By rpc 19th Apr 17, 12:44 PM
    • 2,294 Posts
    • 3,488 Thanks
    rpc
    Yes it will affect it. You will lose it.

    You cannot claim any tax credits (or universal credit) while also claiming tax free childcare. It's part of the rules of the new scheme.

    In general, claiming tax credits and vouchers is not a good idea because you gain less in vouchers than you lose in tax credits. I think, though, that you may be in the situation we were once in where your childcare costs are above the maximum allowance and so the vouchers have no impact on your entitlement.
    • mrbg07546
    • By mrbg07546 17th May 17, 4:01 PM
    • 194 Posts
    • 12 Thanks
    mrbg07546
    i am just been signed up to the tax free vouchers - so it means i have to quit my work vouchers. however i have missed the deadlinbe for payroll this month, so this will be the last month i can employee claim childcare vouchers. can i still claim the tax free childcarE, or should i wait for next month?
    • cellbar
    • By cellbar 23rd May 17, 12:03 PM
    • 19 Posts
    • 1 Thanks
    cellbar
    Entitlement for disabled carers
    Somewhere in all of the jargon and the eligibility criteria that I have read, it said that disabled carers would be 'catered for' in the 30 hour eligibility, is there anything more on this - or is there anything about kinship/lac eligibility? What happens if you are self employed but not able to drawer earnings from the business? How about if you are disabled but working in receipt of disability benefits?

    These are all valid questions that are not really covered - trying to get through to HMRC is a nightmare - you just keep getting cut off and when you do get through you are told different things by different people!!
    We are the only ones who make life difficult!
    • sheramber
    • By sheramber 23rd May 17, 12:28 PM
    • 3,737 Posts
    • 2,755 Thanks
    sheramber
    http://www.tax-free-childcare.info/resources/childcare-vouchers-vs-tax-free-childcare/
    • Sameena01
    • By Sameena01 3rd Jun 17, 2:14 AM
    • 1 Posts
    • 0 Thanks
    Sameena01
    I've read that you can't claim tax free childcare and childcare vouchers simultaneously. Is that per parent or as a family? Tax free childcare works out more benficial for me as my salary is higher, but my husbands salary is lower so it seems he'll get more back on childcare vouchers. Can we mix and match between us?
    • rpc
    • By rpc 5th Jun 17, 1:51 PM
    • 2,294 Posts
    • 3,488 Thanks
    rpc
    I've read that you can't claim tax free childcare and childcare vouchers simultaneously. Is that per parent or as a family? Tax free childcare works out more benficial for me as my salary is higher, but my husbands salary is lower so it seems he'll get more back on childcare vouchers. Can we mix and match between us?
    Originally posted by Sameena01
    It's per family. While vouchers were claimed and managed as individuals, the tax free childcare scheme is a family scheme.

    If you register for tax free childcare then you must stop your husband's vouchers. End of story. You can continue to spend vouchers if you have an amount sitting in your account, but you cannot accrue any more after registering for tax free childcare.
    • EmmaRoberts200
    • By EmmaRoberts200 14th Jun 17, 8:20 PM
    • 2 Posts
    • 0 Thanks
    EmmaRoberts200
    Help!!
    My husband and I have 2 children and pay £300 a month childcare. We are both signed up to the salary sacrifice childcare vouchers. I don't earn enough to pay tax so even though I get vouchers I don't save anything as I don't pay tax. Is it possible for my husband to keep going with the childcare vouchers and I get the tax free childcare?
    Thanks
    • MaryJoKel
    • By MaryJoKel 13th Jul 17, 11:41 AM
    • 2 Posts
    • 1 Thanks
    MaryJoKel
    Childcare schemes - confusion!
    Hi! Our baby is due at the end of October 2017. My husband and I wanted to join up to the childcare voucher scheme as we believe it would be more beneficial to us than the new Tax-Free Childcare scheme. However the voucher scheme ends in April 2018 which means I will miss the boat to join as apparently I cant join the scheme until I go back to work after maternity leave, which will be end of August 2018 at the earliest. So my questions are:

    1. Can my husband still join the childcare voucher scheme once baby is born?
    2. How much will he have to pay in? - our family income will be significantly reduced as I will be on maternity leave and so we cant afford to pay too much in each month until I go back to work.
    3. Will I be able to join the Tax-Free Childcare scheme instead? If so when and how should I do this?
    4. If i join the Tax-Free Childcare scheme, will my husband have to join up to that too and leave the childcare voucher scheme? Or can we be on different schemes?

    Any advice/help is greatly received!!

    Many thanks
    Niamh
    • Mupette
    • By Mupette 15th Jul 17, 10:26 AM
    • 4,214 Posts
    • 6,923 Thanks
    Mupette
    I've read that you can't claim tax free childcare and childcare vouchers simultaneously. Is that per parent or as a family? Tax free childcare works out more benficial for me as my salary is higher, but my husbands salary is lower so it seems he'll get more back on childcare vouchers. Can we mix and match between us?
    Originally posted by Sameena01

    You do have a 3 month grace where you can have both.
    You must get a letter from your childcare voucher company with the end date of the order cancellation,

    GNU
    Terry Pratchett
    ((((Ripples))))

    • LittleMissGiggles1980
    • By LittleMissGiggles1980 25th Jul 17, 11:58 AM
    • 1 Posts
    • 0 Thanks
    LittleMissGiggles1980
    My son is 3 and starts his 15 hrs nursery place in September 17. I am currently on a career break, (where my employer has allowed unpaid leave for childcare responsibilities and held a job open for me) due to return to work 1 October 17 and was expecting to be able to claim some of the additional childcare hours (30 hrs offer) to enable me to return to work 3 days per week.
    However I have been told by HMRC that I am not eligible until January 18 as although I am employed, I won't be earning until 1 October.
    This is despite the fact that their guidance states that I am eligible if I earn or expect to earn the equivalent of 16 hrs at nat min wage over the coming three months (I will do so.) If I were on a zero hrs contract or self employed they would look at my average earnings over a three month period, I seem to be being treated less favourably than someone in that situation.
    I have asked for it to be verbally referred upwards but no one can give me an email address for me to formally appeal. Does anyone have any experience/views/ideas?
    If I can't get the additional hours funding I can't return to work until after Christmas, which seems against the whole idea of the scheme.
    Thanks
    • 10981
    • By 10981 30th Jul 17, 6:31 AM
    • 2 Posts
    • 0 Thanks
    10981
    Childcare vouchers and tax free care
    Hello so my wife's employer does the childcare vouchers but unfortunately mine doesn't offer them. Can I join the new scheme and my wife continue with her vouchers we have two children and one more on the way?
    • sheramber
    • By sheramber 30th Jul 17, 7:42 PM
    • 3,737 Posts
    • 2,755 Thanks
    sheramber
    Hello so my wife's employer does the childcare vouchers but unfortunately mine doesn't offer them. Can I join the new scheme and my wife continue with her vouchers we have two children and one more on the way?
    Originally posted by 10981
    \\

    No, it is one or the other.
    • Lucyclarke1989
    • By Lucyclarke1989 31st Jul 17, 7:03 PM
    • 1 Posts
    • 0 Thanks
    Lucyclarke1989
    Hi! Our baby is due at the end of October 2017. My husband and I wanted to join up to the childcare voucher scheme as we believe it would be more beneficial to us than the new Tax-Free Childcare scheme. However the voucher scheme ends in April 2018 which means I will miss the boat to join as apparently I cant join the scheme until I go back to work after maternity leave, which will be end of August 2018 at the earliest. So my questions are:

    1. Can my husband still join the childcare voucher scheme once baby is born?
    2. How much will he have to pay in? - our family income will be significantly reduced as I will be on maternity leave and so we cant afford to pay too much in each month until I go back to work.
    3. Will I be able to join the Tax-Free Childcare scheme instead? If so when and how should I do this?
    4. If i join the Tax-Free Childcare scheme, will my husband have to join up to that too and leave the childcare voucher scheme? Or can we be on different schemes?

    Any advice/help is greatly received!!

    Many thanks
    Niamh
    Originally posted by MaryJoKel
    Hi I am interested in the answer to these questions too as am in the same boat with my baby due October, however from what I understand, nothing says you can't join the childcare scheme after baby is born and before April...
    • Juliet Buxton Dean
    • By Juliet Buxton Dean 7th Sep 17, 1:53 PM
    • 1 Posts
    • 0 Thanks
    Juliet Buxton Dean
    30 hour Childcare
    Hi

    My son qualifies for 30 hours free childcare but I think we are being overcharged for his remaining time, or not getting a full 30 hours free.

    His nursery is open from 8-5 so 9 hours a day. He is there 4 days a week, so 36 hours. We should therefore only pay for 6 hours. The daily rate is £40.

    We have been charged 640 for 4 weeks in September and she has then deducted £499.20 for the free childcare which works out as 4.16 an hour, but we've actually been charged at 4.44 an hour.

    However I try and work it out it doesn't make sense.

    The thing is we have a great relationship with the lady who owns the nursery and she is great with children, but not great with figures. I'm sure she's not deliberately cheating us, but she might not understand if I tried to query it with her. Equally if she's not charging us correctly I wouldn't want her to get into trouble if it was found out.
    • sheramber
    • By sheramber 7th Sep 17, 6:24 PM
    • 3,737 Posts
    • 2,755 Thanks
    sheramber
    Your bill should detail what are the free 30 hours and what the rest of the charges for. E.g they may be charging for 'extras'- snacks, dinners, nappies, extra activities such as trips out.

    There is also no requirement for the nursery to give the full 30 hours free. It is up to the nursery how much, if any, they offer.

    I think the amount the government pay the nursery is £4.16.

    You do realise it is only 39 hours for 38 weeks of the year.
    • onlyroz
    • By onlyroz 8th Sep 17, 10:25 AM
    • 13,503 Posts
    • 25,681 Thanks
    onlyroz
    You do realise it is only 39 hours for 38 weeks of the year.
    Originally posted by sheramber
    This. The "free" hours are only during term time but it is likely that the nursery spreads the cost over the whole year to ensure you have a consistent bill.


    It is also widely publicised that the funding the nursery gets from the government is not enough to cover the cost of the childcare, and so many nurseries are forced to increase the price for the non-free hours, or charge extra for meals, nappies etc which they used to include in with the price.
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